Axle

Axle is the AI-native clearinghouse for insurance. Their infrastructure and AI agents automate complex insurance workflows for third parties, including verification, monitoring, and policy updates. Backed by Gradient, Y Combinator, and the founding team of Plaid, Axle serves Fortune 500 businesses like Rocket Mortgage, Avis, and Experian, helping them reduce risk and recover over $220M in potential losses.

Axle publishes 2 API contracts indexed on the APIs.io network, including API API, and 1 more. Tagged areas include Insurance, AI, Automation, FinTech, and Platform.

The Axle catalog on APIs.io includes 1 event-driven AsyncAPI specification, 1 JSON-LD context, and 1 Spectral governance ruleset.

Axle’s developer surface includes changelog, sandbox, authentication, engineering blog, getting-started guide, documentation, API reference, and 19 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

47.7/100 developing Agent 48/100 agent ready Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 published contract

InsuranceAIAutomationFinTechPlatform

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 47.7/100 · developing

Contract Quality 13.0 / 21

Developer Ergonomics 8.5 / 17

Access Clarity 3.1 / 17

Operational Transparency 5.5 / 11

Contract Governance 3.6 / 10

Discoverability 5.6 / 9

Regulatory Posture 3.8 / 15

Agent readiness — 48/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 8 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 5 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too
Agentic Commerce Well-Known Document +5 pts — a parsing /.well-known/ucp.json or acp.json declaring a version and at least one service — `self` when its endpoints are on the provider's own domain, `platform` when they are on a vendor's

3 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 18.4 — up to +16.3 composite points
Developer Ergonomics scores 50.0 — up to +10.0 composite points
Contract Quality scores 61.2 — up to +9.7 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/axle/apis.yml: open an issue on github.com/api-evangelist/axle to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 2

Individual APIs this provider publishes, each with its own machine-readable definition.

Axle API

Axle API providing Ignition and token exchange operations

Axle API API

Axle API API: 22 operations.

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Axle Webhooks

ASYNCAPI

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Axle Context

31 classes · 76 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Axle API Rules

17 rules · 15 errors 1 warnings 1 info

SPECTRAL

JSON Schema 6

Standalone JSON Schema definitions for this provider's data models.

Account

12 properties

JSON SCHEMA

Policy Sandbox

17 properties

JSON SCHEMA

Policy

24 properties

JSON SCHEMA

Rule With Input

2 properties

JSON SCHEMA

User

5 properties

JSON SCHEMA

ValidationConfig

6 properties

JSON SCHEMA

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Axle Authentication

1 scheme

SECURITY

Axle Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

Sandbox

Sandbox

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

Webhooks

DataModel

ErrorCatalog

Conformance

Scroll for all 7

Access & Security 4

Authentication, authorization, and security posture

Authentication

SecurityTxt

TrustCenter

DomainSecurity

Operate 3

Status, limits, changes, and where to get help

ChangeLog

ChangeLog

StatusPage

StatusPage

ChangeLog

ChangeLog

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Blog

Blog

Website

Website

Other 3

Properties that don't map to a standard resource type

AgentCard

AgentCard

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: axle
name: Axle
image: https://axle-labs-assets.s3.amazonaws.com/axle-og-graph.png
description: Axle is the AI-native clearinghouse for insurance. Their infrastructure and AI agents automate complex insurance
  workflows for third parties, including verification, monitoring, and policy updates. Backed by Gradient, Y Combinator, and
  the founding team of Plaid, Axle serves Fortune 500 businesses like Rocket Mortgage, Avis, and Experian, helping them reduce
  risk and recover over $220M in potential losses.
url: https://artifacts.apis.io/axle/apis.yml
x-type: company
x-source: harvest:vc-portfolio
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-29 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-29'
modified: '2026-10-29'
tags:
- Insurance
- AI
- Automation
- FinTech
- Platform
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Spectral
  url: rules/axle-rules.yml
- type: JSONLD
  url: json-ld/axle-context.jsonld
- type: Vocabulary
  url: vocabulary/axle-vocabulary.yml
- type: Webhooks
  url: asyncapi/axle-webhooks.yml
- type: DataModel
  url: data-model/axle-data-model.yml
- type: ChangeLog
  url: changelog/axle-changelog.yml
- type: Sandbox
  url: sandbox/axle-sandbox.yml
- type: Authentication
  url: authentication/axle-authentication.yml
- type: ErrorCatalog
  url: errors/axle-problem-types.yml
- type: Conformance
  url: conformance/axle-conformance.yml
- type: LLMsTxt
  url: llms/axle-llms.txt
- type: AgentCard
  url: a2a/axle-a2a.yml
- type: SecurityTxt
  url: well-known/axle-status-security.txt
- type: WellKnown
  url: well-known/axle-well-known.yml
- type: Hosts
  url: hosts/axle-hosts.yml
- type: Vendors
  url: vendors/axle-vendors.yml
- type: TrustCenter
  url: https://trust.axle.insure/
- type: StatusPage
  url: https://status.axle.insure
- type: PrivacyPolicy
  url: https://www.axle.insure/legal/privacy-policy
- type: ChangeLog
  url: https://docs.axle.insure/changelog
- type: Blog
  url: https://www.axle.insure/blog
- type: GettingStarted
  url: https://docs.axle.insure/guides/quickstart
- type: Documentation
  url: https://docs.axle.insure/
- type: APIReference
  url: https://docs.axle.insure/llms.txt
- type: DomainSecurity
  url: security/axle-domain-security.yml
- type: Website
  url: https://www.axle.insure/
apis:
- name: Axle API
  description: Axle API providing Ignition and token exchange operations
  humanURL: https://docs.axle.insure
  baseURL: https://api.axle.insure
  aid: axle:axle-api
- aid: axle:axle-api-api
  name: Axle API API
  description: 'Axle API API: 22 operations.'
  humanURL: https://docs.axle.insure/llms.txt
  baseURL: https://sandbox.axle.insure
  properties:
  - type: OpenAPI
    url: openapi/_original/axle-api-openapi.yml
  - type: JSONSchema
    url: json-schema/axle-policy-schema.json
  - type: JSONSchema
    url: json-schema/axle-policy-sandbox-schema.json
  - type: JSONSchema
    url: json-schema/axle-account-schema.json
  - type: JSONSchema
    url: json-schema/axle-rule-template-with-input-schema.json
  - type: JSONSchema
    url: json-schema/axle-user-schema.json
  - type: JSONSchema
    url: json-schema/axle-validation-config-schema.json
x-backed-by:
- gradient-ventures
x-enrichment:
  date: '2026-10-29'
  status: enriched
  artifacts_added: 27
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Axle API — frequently asked questions

Does Axle have an API?

Yes. APIs.io lists 2 APIs from Axle, including Axle API and Axle API API.

Is there an OpenAPI specification for the Axle API?

Yes. APIs.io indexes 1 OpenAPI specification for Axle, each linked for download from this page.

How do I authenticate with the Axle API?

Axle documents its authentication (1 scheme). The details are profiled on APIs.io as Axle Authentication.

Is the Axle API ready for AI agents?

Axle has a Kin Score of 47.7 out of 100 (developing) and an Agent Readiness score of 48.4 (agent-ready), scored by API Evangelist on 2026-10-31.

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get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
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